TWI436294B - Fund bidding method and system thereof - Google Patents

Description

Capital bidding method and system

The invention belongs to the field of financial e-commerce, and in particular relates to a network fund transaction method and system applied to the folk mutual aid society.

The Mutual Aid Association, also known as the Standards Association, is a direct financial lending method that has been used frequently by the people since ancient times. In addition to providing a financing channel other than traditional banks, there are also advantages of forcing participants to save, the average return on investment is higher than that of traditional banks, and there is no taxation problem.

In the past, the method of signing a meeting was initiated by a leader, and then looking for other members who would like to join the mutual aid association, and then set the date of the meeting, the number of dates, the date of opening the bid, the use of the internal standard method or the external standard method, and whether there is a bottom. Target restrictions, etc. After the bid opening date, the members will be convened and ranked according to the level of each member's standard. The highest bidder is the winner of this session. The remaining members are in accordance with the internal standard or external standard, and they are The members of the event or the members of the guild will each pay the amount they have paid to the winner, which is also the completion of the session.

If there is an equal amount of two or more people, it is traditionally to draw the same amount with the highest bid, that is, to select a member who participates in the fair in a random manner as the winner of the current period. However, if there is no bidding in this period, it shows that all members of the event have no capital requirements in this period, so they are not willing to sub-subscribe. At this time, it is still necessary to decide a winner to facilitate the smooth progress of the bid, which can be randomly selected according to the lottery. The method selects the winners of the current period, and most of the private bidding committees have the limitation of the bottom bid, that is, the bidding standard for the members of the living club cannot be lower than a certain number, so the winners selected by the lottery method at this time will be selected. I have to bear the total amount that I didn’t want to get in advance, and I need to pay the interest equivalent to the benchmark to the rest of the event. member. This is a disguised punishment for members who do not have the urgency of funding and who want to receive high rewards as a deposit.

Therefore, if we can make unsuccessful bidding, through a mechanism, the current winners determined by lottery can not be randomly selected due to such advances, and need to pay the loss of interest that would not be paid in advance. Let this "cursor of the first signer" not become a punishment in disguise, can improve the participation incentives of the standard combination, and improve the fairness and efficiency of this direct financial standard.

For the sake of his position, the inventor conceived the "capital bidding method and system" in this case. The following is a brief description of the case.

One of the objects of the present invention is to solve the problems of the prior art.

Another object of the present invention is to rationalize the fund remuneration of the winning members, effectively solve the lack of forced borrowing by the traditional fund mutual aid society through lottery, effectively promote the rationality and stability of the fund bidding system, and improve the participation incentives of the bidding combination.

Another object of the present invention is to simplify the opening procedure of the system and reduce the computational burden of the system.

According to the concept of the present invention, a capital bidding method is proposed, which is implemented by a processing device, the method comprising: (A) causing the processing device to store a standard combination having a plurality of members; (B) The processing device accepts, by a member, a first bid condition or a second bid condition; (C) causing the processing device to determine whether the member has at least one member inputting the first bid condition; and (D) If at least one member enters the first bidding condition during the session, the processing device determines a current bidder according to the first bid condition; if no member enters the first bid condition in the session, then The processing device determines a current bidder according to the second bidding condition.

More preferably, the method for bidding funds according to the present invention, wherein the first bid condition is a bid amount, and the second bid condition is a non-qualified bid amount.

More preferably, the capital bidding method proposed by the present invention, wherein the step (D) comprises the following steps: (D1) if at least one member inputs the first bidding condition during the session, the processing device determines to input the highest bid. The member of the gold amount is the current bidder; and (D2) if no member enters the first bid condition during the session, the processing device determines that the member who has entered the minimum bid amount for the non-qualified bid is the current bid. By.

More preferably, the method for bidding funds according to the present invention, wherein the step (D2) further comprises the following steps: if no member inputs the first bid condition in the session, if the member who inputs the minimum bid amount for the non-qualified bid is If there are multiple, the processing device determines, in a random manner, one of the plurality of members who input the minimum bid amount of the non-qualified bid is the current bidder.

More preferably, the method for bidding funds according to the present invention, wherein if a specific member of the standard combination does not input the first bid condition and the second bid condition is not input, the processing device determines that the specific member inputs the first The second bidding condition is a system preset value, and the system preset value is zero.

More preferably, the method for bidding for funds according to the present invention further comprises the following steps: (E) causing the processing device to send a first message for causing a current non-successor to pay a paid payment, the payment will be made. The amount of the actual payment of the member in the period; and (F) the processing device to send a second message for the current bidder to obtain a current bid, wherein the current bid is all The sum of the actual payment of the non-winning bidder or the sum of the actual payment will be deducted from the system service fee.

More preferably, the method for bidding funds proposed by the present invention, wherein the current non-winning bidder comprises a living member and a dead member, wherein the member of the club refers to a member who has not been marked in the combination of the club, the damn meeting A member is a member of the group that has been marked before the session.

More preferably, the method for bidding funds proposed by the present invention, wherein the payment of the payment of the member of the dam member is a basic payment, and the basic payment is a payment basis amount of a member of the standard combination for each session; If at least one member enters the first bidding condition during the session, the actual payment of the member of the member is the basic amount minus the amount of the standard input by the current bidder; and if there is no such period If the member inputs the first bidding condition, the paying membership fee of the member member is the basic meeting amount plus the non-qualified bid amount input by the member of the club member and the predetermined minimum bid amount is subtracted.

More preferably, the capital bidding method proposed by the present invention, wherein the predetermined minimum bid amount is zero.

More preferably, the method for bidding funds proposed by the present invention, wherein the payment of the membership of the dam member is a basic membership fee plus a death penalty, wherein the basic membership fee is a member of the conference portfolio for each session. The amount of the payment base, the amount of the deposit is the amount of the prize entered by the member of the dam in the previous session; if at least one member enters the first bid condition, the member of the club will pay the fee. Gold is the basic membership fee; and if no member enters the first bidding condition during the session, the actual payment of the membership member is the basic membership fee plus the non-qualified qualification entered by the member. Bidding amount.

In accordance with the teachings of the present invention, a computer readable medium having a program loaded therein is executed which, when executed by a processing device, performs the steps described in the method of the present invention as described above.

In accordance with the teachings of the present invention, a computer program product for storing a program for a network direct financial method is provided, which, when loaded and executed by a processing device, can perform the method of the present invention as described above. The steps.

According to the concept of the present invention, a mutual fund bidding system is provided, including a bidding combination processing module and a fund bidding processing module, wherein the bidding combination processing module is configured to store a bidding combination having a plurality of members, the funds The bidding processing module is used to accept a member loss during a session. Entering a first bidding condition or a second bidding condition, and determining a current bidder according to the first bidding condition or the second bidding condition, wherein the fund bidding processing module further comprises a logical judging unit and a normal state a bidding processing unit, and a non-standard bidding processing unit, wherein the logic determining unit is configured to determine whether at least one member inputs the first bidding condition during the meeting period; the normal bidding processing unit is configured to have at least one during the meeting period When the member inputs the first bidding condition, the current bidding condition is determined according to the first bidding condition; and the non-acquisition qualified bidding processing unit is configured to: when no member of the meeting enters the first bidding condition, according to the The second bidding condition determines a current bidder.

More preferably, the mutual aid fund bidding system proposed by the present invention, wherein the first bid condition is a bid amount, and the second bid condition is a non-qualified bid amount; when the member has at least one member enters the bid In the case of a bidding condition, the normal bidding processing unit determines that the member who inputs the highest amount of the bid is a current bidder; when no member enters the first bidding condition during the period, the non-qualified bidding processing unit determines The member who enters the minimum amount of the non-qualified bid is the current winner.

More preferably, the mutual aid fund bidding system proposed by the present invention further comprises a settlement delivery module for transmitting a first message for causing a current non-winning bidder to pay a paid payment, the actual payment of the payment. For the member's actual payment amount in the period, and send a second message to enable a non-successor in the current period to obtain a current bid, in which the current bid is the real non-winner of the current period. The sum of the payment of the sum of money or the sum of the actual payment will be deducted from the system service fee.

The invention will be more fully understood from the following examples and illustrations.

20‧‧‧ Mutual Funding Bidding System

30‧‧‧Customer terminal

21‧‧‧Member application module

22‧‧‧Bid combination processing module

23‧‧‧Cost bidding processing module

24‧‧‧ settlement delivery processing module

25‧‧‧Database

231‧‧‧Logical judgment unit

232‧‧‧Normal bidding processing unit

233‧‧‧ Non-qualified bidding processing unit

1 is a schematic flow chart of an embodiment of a bidding method of the present invention; and FIG. 2 is a schematic structural diagram of an embodiment of a mutual aid fund bidding system of the present invention.

The present invention is not limited by the embodiment, and the embodiment of the present invention is not intended to limit the invention to any specific environment, application or special mode as described in the embodiments. Therefore, the description of the embodiments is merely illustrative of the invention and is not intended to limit the invention. It should be noted that in the following embodiments and drawings, elements that are not directly related to the present invention have been omitted and are not shown, and the dimensional relationships between the elements in the drawings are merely for ease of understanding and are not intended to limit the actual ratio.

Before referring to the illustration of the present invention, the similarities and differences between the innovative bidding method of the invention and the traditional civil standard will be described in detail. The fund transaction combination adopted by the online direct financial method of the present invention has the purpose of satisfying the mutual financing needs of members in a group, and determining the fund ownership relationship by bidding by members in the combination with bidding qualifications. During the effective period of the session, each period will be opened once, in order to obtain the highest bidder and obtain the bid. Since each member has only one chance to win the bid, once the member wins the bid, he will lose the qualification for the next period. If the bidder fails, the next bid will be retained. For the first period and the last period, it must be further explained that the fund transaction portfolio of the present invention, or the combination of the bidding associations, is not subject to the system, and the system is responsible for the bidding operation and the member’s liability for breach of contract. Of course, the first meeting of the club will be different. In the last issue, although the bid is still nominal, there is only one bidder, so there is actually no bidding in the last period.

In the fund payment relationship, the funds of the fund transaction portfolio are completely derived from the mutual cooperation between the members, so the fund payment is a zero-sum relationship. The successful bidder will have the right to obtain funds from other members (including unsuccessful bidders and those who have already won the bid); as for the unsuccessful bidder and the winners, they are obliged to pay the winning bidders. The difference is that the unsuccessful bidders can influence the future payment amount by bidding in the future period, and the winners must repay the previously earned funds in installment payment mode.

Those who have not obtained the bid, have obtained the bid and the bidder in the current period, and the method of calculating the funds receivable shall be divided into two modes: internal standard and external standard. Non-winning members in the current period include a living member and a dead member. The member refers to the member who has not been marked in the combination of the club. The member of the club refers to the member who has previously been marked in the group. The winning member of the winning member is the member who includes the member. The total amount of the actual payment of the non-winning member of the current member of the dam, or the sum of the service fee minus the sum.

Among them, the bidding condition is a standard amount, and the bidding combination of the internal standard model, the actual payment of the membership member is the basic repayment amount minus the amount of the bidding amount proposed by the winning member, and the actual membership of the deceased member The payment of the meeting is the basic meeting. For the standard combination of an external standard, the actual payment of the membership member is the basic payment, and the actual payment of the member of the dam will be the basic contribution plus the amount of the previous member’s previous bid. Amount.

Generally speaking, when someone bids for bidding, and no one draws the bid in the previous period, the bids are not awarded, the bids have been won, and the current bidders are required to receive the funds. The formula for the amount payment is as follows:

1. The amount that can be obtained by the winner in the current period:

(1) Internal standard system: A _n = ( U - I _n ) × ( N - n ) + U × ( n -1)

(2) External standard system:

2. The amount to be paid without the winner:

(1) Internal standard system: U - I _n

(2) External standard system: U

3. The amount that must be paid by the winner in the previous period:

(1) Internal standard system: U

(2) External standard system: U + I _n

Among them: A _n is the total bid of the winner in the first period; U is the bid limit (basic gold); N is the total number of periods of the standard combination; n is the current period, and n is less than or equal to N ; I _n is the winning standard for the winning member in the nth period; and I _i is the standard for the i-term of the external standard member, and i is less than n; the above payment amount is calculated as a basic formula, not yet Take into account system service fees.

Next, please refer to FIG. 1 , which is a schematic flowchart of an embodiment of a method for marking a conference according to the present invention. In FIG. 1 , a standard combination (step 101) is first established on a standard processing system, the standard combination has N members and N meeting periods, and the standard combination can be used via a processing device. The selection criteria are established. Thereafter, the member who has the bidding right is received at each session of the standard combination to input a first bid condition or a second bid condition (step 102).

The member with the bidding right refers to the member who has not previously been marked in the combination of the club (ie, the member of the event), and/or the member whose credit limit or total amount of the household is greater than the size of the portfolio. The size of the standard combination fund is the product of the basic fund and the number of the combination of the standard combination, the credit limit is the amount of funds given to the member by the system according to a credit, and the total amount of the household is For the total household amount, the sum of the credit line and a system natural amount, the system The natural credit is the amount of debt deducted by one of the several bidding combinations of the member participating in the bidding system. The credit limit is the member's participation in all the bidding combinations in the system. The amount of the right to be combined without any mark, the formula for calculating the credit limit is: the credit limit = (the number of all the unsuccessful combinations of all the standard combinations of the member participating in the network signing system) *(Basic Funds), and the member's debt limit is the amount to be paid for all the selected combinations of all the club members in the group's signpost system. The calculation formula is: Debt Limit = (all the remaining bids in the portfolio of all the club combinations that the member participates in the network signpost system) will be combined with the remaining period* (the actual payment).

The first bid condition is used to determine the current bidder of the session, and the second bid condition is that if no member inputs the first bid condition, that is, everyone has no capital requirement and does not want to subscript to obtain funds. At the time, it is used to determine the winner of the current period. At this time, the winner of the current period is the winner of the traditional bidding by the lottery.

The first bid condition and the second bid condition are a quantifiable transferable interest, and may generally be an amount or a system token, for example, the first bid condition may be a bid amount, and the second bid is The condition may be that the non-qualified bid amount is not the bid amount, or it is called a non-qualified bid amount.

The first bidding condition is related to the member's interest in obtaining a working capital, and the second bidding condition has two meanings: one is a fairer and more direct mechanism to take the traditional lottery procedure, and the member can The desire to "do not want to bid" and enter a bidding condition to qualify for a "non-current winner", so that the entire financial system can better reflect the subjective needs of users; the second is the input of members. The second bidding condition can be used to compensate for the current bidding that did not want to win the bid. The loss of interest, which makes the entire financial system more stable, further increases the incentives for users to join.

After the system accepts the user to input a first bid condition or a second bid condition (step 102), the system determines whether at least one member enters the first bid condition in the session (step 103), if at least one member in the period Entering the first bidding condition, the system directly determines a current bidder according to all the received bid conditions (step 104). For example, when the first bid condition is a bid amount I, the system may determine the input. The highest member of the standard amount I _n is a current bidder; if no member enters the first bidding condition during the period, the system determines a current bid based on the second bid condition received. (Step 111), for example, when the second bid condition is a non-qualified bid amount J, the system may decide to input the lowest member of the non-qualified bid amount J or the member who has not entered the second bid condition as a The winner of the bid, at this time, the current bidder can obtain the non-qualified bid amount J entered by all other bidding members in the bidding group as a compensation, that is, the other obtains the current "deposit qualification" Members will pay its current period of real gold standard qualifications should include the bid amount they have to enter J (step 112).

After the current bidder wins the bid, the system can then perform a settlement delivery operation (step 105), including sending a first message for a non-winning bidder to pay a real payment. The payment of the amount is the actual payment amount of the member in the period; and a second message is sent to enable the current bidder to obtain a current bid, in which the current bid is the non-winner of the current period. The sum of the actual payment will be deducted from the system service fee, and the system service fee can also be zero.

The current non-winning bidder includes a living member and a dead member, wherein the member refers to the member who has not been marked in the combination of the club, and the member of the club refers to the club at the nth meeting. The member who has already been awarded before the period; the first message is transmitted to the current non-winning bidder and/or the bank financial unit responsible for the operation or cooperation of the bidding system, so that a non-winning bidder pays a real payment for the current period. Will be paid, and the second message will be transmitted to the current bidder and/or responsible for the operation or integration of the bidding system. Bank financial unit to pay the current winning bid to the current bidder

The calculation of the actual payment and the current standard gold can be divided into the internal standard mode and the external standard mode. The internal standard mode is equivalent to a way of obtaining the interest payment first, and the external standard mode is equivalent to a post-interest payment. How to get it.

For the internal standard mode, the actual payment of the member of the death club is a basic membership fee U, which is the base amount for each member of the pre-determined period in the standard combination. At the nth session, at least one member inputs the amount of the standard amount I _{n of} the first bidding condition, and the actual payment of the member of the member is the basic amount of the bonus U minus the amount of the standard input by the current bidder ( UI); if no member enters the first bidding condition during the session, the paid membership fee of the member member is the basic membership fee U plus the deposit eligibility J entered by the member of the event and subtracted Go to a predetermined minimum bid L, which is the generally recognized bottom mark, which is equivalent to a minimum interest threshold required to obtain the winning bid. The predetermined minimum bid L may be determined in advance by the system. Set directly to zero.

For the external standard mode, in the case of a dead member in the combination of the standard, in fact, the payment will be a basic sum of money plus a dead bonus, and the basic U will be each of the predetermined combinations in the set. During the session, one member pays the base amount, and the death penalty is the amount of the standard I _i entered by the member of the club during the previous session; for a member of the club, if the meeting is at least If a member inputs the amount of the standard amount I _{n of} the first bidding condition, the actual payment of the member of the member is the basic meeting fee U. If no member enters the first bidding condition during the meeting, then The actual payment for the member of the event is the basic membership fee plus the deposit eligibility J entered by the member of the event.

Through such innovative capital bidding, the bidding system considers the funding needs and personal will of all participating members, and does not hinder the follow-up period of the bidding group and the financing needs of other members, taking into account the individual will and The justice and continuity of the financial community.

The above-mentioned method of bidding for funds can be implemented by a computer program in a processing device, which can be stored in a computer readable medium such as a compact disc, a hard disk or a memory card.

The present invention can also be achieved by a processing system. Please refer to FIG. 2, which is a schematic structural diagram of an embodiment of the capital bidding system of the present invention. In FIG. 2, a mutual fund bidding system 20 communicates with a subscriber terminal 30 (such as a computer, a mobile phone, a PDA, etc.) used by a member by means of network, wired and wireless communication, and The member performs an instant secure message exchange, and the mutual fund bidding system 20 includes a member application module 21, a bid combination processing module 22, a fund bidding processing module 23, and a settlement delivery module 24; The member application module 21 is configured to receive a member application and review and evaluate the member credit status; the bid combination processing module 22 is configured to set a member meeting to select the same meeting condition, the meeting meeting Conditions such as the number of bidding periods, the basic meeting amount, or the size of the combined funds, etc., there are a plurality of members in the bidding combination; the fund bidding processing module 23 is used to process the fund bidding process, and determines a bidding result, including The current bidder and the current non-winners; the settlement delivery module 24 is used to process the settlement and delivery procedures according to the bidding result; the database 25 is used to store member information, member portfolio information, Bidding terms entered, and the amount of credit status and family members always.

The fund bidding processing module 23 can accept a bidding member to input a first bid condition or a second bid condition, and determine a bid for the current bid according to the first bid condition or the second bid condition. The first bid condition and the second bid condition are a quantifiable transferable benefit, for example, the first bid condition may be a bid amount, and the second bid condition may be a non-qualified bid Amount.

The fund bidding processing module 23 further includes a logic determining unit 231, a normal bidding processing unit 232, and a non-qualified bidding processing unit 233, wherein the logic determining unit 231 is configured to determine whether the meeting has at least one member input. The first bidding condition; if at least one member enters the first bidding condition during the meeting period, the normal bidding processing unit 232 is based on the first bidding condition The condition determines a bidder of the current period, for example, the member who inputs the highest amount of the bid is the current bidder. Otherwise, if no member enters the first bidding condition during the period, the non-qualified bid is qualified. The processing unit 233 determines a current bidder according to the second bidding condition, for example, the member who has entered the lowest insured amount as the current bidder.

After the winner of the current bid is determined, the settlement delivery module 24 sends a message to the current non-successor and/or the bank financial unit responsible for or cooperating with the bidding system to enable a non-winner of the current period. Pay the actual payment and send another message to the current successful bidder and/or the bank financial unit responsible for the operation or cooperation of the bidding system to enable the current bidder to obtain the current winning bid. Among them, the current winning bid is the sum of the actual payment of all non-winning bidders in the current period.

A further embodiment of the present invention will be described in detail with reference to FIG. 1 and FIG. 2 to further understand the implementation of the capital bidding method of the present invention.

A, 55 years old, retired civil servant, while enjoying retirement life, also actively think about how to manage money. Recently, a certain A learned that there are net road signs in the market, they decided to participate.

First, a certain A is logged into the processing device of the network road sign system by a user terminal. The processing device receives the login message and determines whether the current session of the A is the first session. If a certain party is the first to sign the network, it is determined to be the initial meeting and the result of the determination is stored in the processing device. The basic information of the member is received by the processing device, wherein the basic data includes the identity information of the member, and then the general qualification of the member is reviewed according to the basic data and the conditions set by the processing device, and whether or not to grant a membership is determined. .

If a certain A is approved, you can choose a standard combination. A certain selection period is 13 periods, and each month is a period. Each period will be a basic combination of RMB 10,000 and a minimum bid amount of RMB 300. There will be 13 members in the group, except for one A, including a certain B, a certain C, a certain Ding, a certain E, a certain one, etc. The person, the system and the combination of the criteria are stored in the processing device.

At each session, other members in a certain group and combination need to choose one of the two bidding conditions. If a certain period of funds requires the use of funds, you can choose to enter the first bidding condition, which is a standard amount. A certain period does not require funds, but only wants to earn interest on funds, you can choose to enter the second bidding conditions, which is a non-standard bidding amount, which can also be called a non-winning bid amount.

The first month of the standard meeting will be the first session. In this period, a member of the A and the other members of the standard will have bidding. In this period, the amount of the standard selected to enter a first bidding condition is 300 yuan, while the amount of the other member's standard B is 400 yuan, and the remaining members do not bid. At this time, the processing device of the system judges that at least one member inputs a first bidding condition in the first session, and the system determines that a certain B who inputs the highest amount of the first bidding condition is the current bidder. The system then classifies the members according to the member identification code, and distinguishes that one B is the current winner and the remaining members are the members of the current non-winning bidder; then the settlement and delivery procedures are performed; if this is an internal bid type bidding In combination, the current bid for a certain B can be 9,600*12=115,200 yuan; the amount of the remaining members of the current session is 10,000-400=9600. If this is an external bidding combination, the current bid for a certain B can be 10,000*12=120,000 yuan; the amount of the remaining members of the current session will be 10,000 yuan.

The session will proceed to the second phase, and a certain A is still logged into the processing device by a user terminal. The processing device receives the login message and determines whether the current session of the A is the first session. Since the session is not the first phase, the system stores the non-initial flag determination result to the processing device. In each subsequent period, unless a certain one wins the bid, a certain A will bid with the remaining bidding members in the bidding combination. According to the total amount of the members of the group, the first-stage system judges the members with the bidding rights to be a member of a certain group of A, C, D, and E, as a member of the bidding right, because of a certain A, a certain C, a certain Ding, a certain There are no capital requirements in this period, so they all choose to lose a second bidding condition, that is, a non-qualified bidding amount, in which a non-qualified bidding amount is 200 yuan, and a certain non-qualified bidding qualification The amount of the bidding for the amount of 100 yuan, a certain Ding, and a certain qualifier is 250 yuan. After the bid opening, since no member enters the first bidding condition in this period, the system is based on the member with the bidding right in the combination. The second bidding condition determines the winner of the current bid, and the bidding amount of 100 yuan for the non-standard bid is the lowest, so the system determines that a certain C is the current bidder; the system then classifies the member according to the member identification code to distinguish If a certain C is the winner of the current period, it shall be deemed to be the one with the lowest bid amount of 300 yuan. One B is the member of the non-winning bidder in the current period, and the remaining members are the members of the current non-winning bidder. Then, the settlement and settlement procedures are carried out; if this is an internal bidding type of bidding combination, the actual payment for a member of the B-term will be 10,000 yuan for the basic membership, and the actual payment for a member of the membership will be paid. For the basic membership of 10,000 plus a certain amount of non-qualified bidding amount of 200 yuan, and then subtract the minimum standard of 300 yuan: 10,000 +200-300 = 9,900 yuan, a certain Ding, a pent are: 10,000 + 250 -300=9950 yuan, a certain amount of gold that can be obtained by C 9,900+10,000+9,950+9,950+9,700x8=117,400; if this is an external bidding combination, the actual payment for a member of the death club is the basic membership fee plus 400 yuan for the death club. 10,400 yuan, among the members of the event, the actual payment of a certain A is the basic membership fee of 10,000 plus a non-qualified qualification for the bidding of a certain amount of 200 yuan: 10,000 + 200 = 10,200 yuan, a certain Ding, a certain pent are : 10,000+250=10,250 yuan, then the current winning standard for a certain C is 10,200+10,400+10,250+10,250+10,000x8=121,100 yuan.

The period will be carried out until the third period. At this time, the system judges the members with the bidding right according to the total amount of the members in the portfolio as a member with certain bidding rights: a certain person, a certain person, a certain person, a certain person, and a certain group. Since a certain company and a certain Ding still have no capital demand in the current period, they all choose to lose a second bidding condition, that is, a non-qualified bidding amount, and a certain amount of bidding for a certain or a certain bid is 200, 100 yuan. After the bid opening, the system knows that a certain person, a certain person, and a certain Geng have entered a first bidding condition, that is, a standard amount of money, in which a certain pent, a certain, and a certain geng are input 500, 400, 300 yuan respectively, due to When at least one member enters the first bidding condition, the system directly determines the current bidder by the first bidding condition. Therefore, the system judges that the highest bid amount is the current bidder; the system then relies on the meeting. The member identification code is used to classify the members, and a certain person is the winner of the current period. A certain B and a certain C are the members of the non-winning bidders in the current period, and the remaining members are the members of the current non-winning bidders. Then, the settlement and settlement procedures are carried out; if this is an internal bidding type of bidding combination, the actual payment of a certain B or a certain period of the death club members is a basic membership fee of 10,000 yuan, and the remaining members include a certain The payment of a certain amount of money and a certain amount of money is the basic amount of 10,000 yuan minus 500 yuan of the standard amount of the current period: 9,500 yuan, then the current standard of the amount of money that can be obtained is 10,000+ 10,000+9,500x10=115,000; if this is an external bidding combination, the member of the deceased member will pay the basic payment of the current period plus the death penalty of 400 yuan to 10,400 yuan. In the current period, the actual payment of the fund is the basic meeting plus 300 yuan for the death penalty of 10,300 yuan. The remaining members of the living group including a certain A, a certain, and a certain Geng will be the basic meeting fee of 10,000. The current winning bid for the current bidder is 10,400+10,300+10,000x8=120,700 yuan.

The session will be carried out until the fourth period. At this time, according to the total amount of the members of the standard combination, the system determines that the total amount of the households of a group of A, D, A, G, and X is greater than the total amount of the household. The size of the combined funds of the bidding combination is the member with the bidding right. Since the five people have no capital demand in the current period, they all choose to lose the second bidding condition, that is, the amount of bidding for a non-standard qualification, a certain Entering the non-qualified qualification bid amount is 100, 100 yuan, and a certain, a certain Geng, and a certain Xin input the non-qualified qualification bid amount is 200, 200, 200 yuan. When the bid is opened, the system first judges that no member enters a first bid. Condition, therefore, according to the second bidding condition, the system decides that the member who enters the minimum non-standard bidding amount is a current bidder. Since the bidding amount of one or both of the bidders is 100 yuan, the system can Random or lottery decision is one of the winners of the current period. After the two agree to draw a lottery for a certain one, the system determines that a certain is the current winner; the system then performs the membership identification code. The classification of the members distinguishes that a certain person is the winner of the current period. A certain B, a certain C, and a certain pent are all members of the non-winning members of the current period, and the remaining members are members of the current non-winning members, and then Carry out settlement and settlement procedures; if this is an internal standard type of bidding combination , a certain B, a certain C, a certain amount of the actual payment of the members of the death club is a basic membership fee of 10,000 yuan, among the members of the event, a certain amount of the actual payment will be 10,000 yuan plus a certain amount The non-qualified bidding amount of the input is 100 yuan and the minimum standard of 300 yuan is subtracted: 10,000+100-300=9,800 yuan, and the actual payment of a certain, a certain, or a certain Xin is based on the non-qualified qualifications entered by itself. The amount is 10,000+200-300=9,900 yuan, so a certain A can get the current standard bid for the sum of all members' paid contributions: 10,000+10,000+9,800+10,000+9,900x3+9,700x5=11,8000 Yuan; if this is an external bidding combination, the actual payment of a certain B, C, and E of the members of the guild will be the basic sum of money and the amount of the previously awarded bid, which is 10,400. Yuan, a certain C is 10,300 yuan, and a certain amount is 10,500 yuan. The actual payment of the membership fee is the basic membership fee plus the non-qualified qualification bid amount entered by itself. One of them is 10,100, oneself, A certain Geng, a certain Xin is 10,200 yuan, so a certain A can get the current standard of the gold for all members to pay the sum of the sum: 10,400 +10,300 +10,100+10,500+10,200x3+10,000x5=12,1900 yuan, after which a certain group will be a member of the death club. In the follow-up period of the internal standard mode, each session will be paid a basic fee of 10,000 yuan. For the follow-up period of the standard mode, each session will be subject to a basic meeting fee of RMB 10,300.

In summary, the present invention provides a reasonable and feasible capital bidding method and system, and further improves the mechanism of single bidding in the traditional bidding, which can effectively solve the problem of the lottery system in the operation of the traditional bidding and the current network capital bidding system. The problem and the inclusion of a mechanism to respect the individual wishes of the members in the bidding system. If there is no bidding in the current period, it means that the demand for funds of each member in the current period is low. If the current bidder is determined by lottery, the winning member is also a member with low capital demand. The winning member must force the loan and need to bear additional burden. The interest that it does not want to bear, but through the innovative standard method proposed by the present invention, all members can directly quantify their willingness to "do not want to bid", and directly use the bidding method instead of random lottery. Deciding to win the bidder will not only reduce the disputes that may arise from the opening of the system, but also simplify the system opening process. The existing standard gold can additionally input an additional bidding condition to promote the efficiency of the system when the bid is opened. In addition, since the second bidding condition entered by the user is a transferable interest, such as a non-qualified bid amount, the transferable benefit can be directly obtained by the involuntary current bidder as the current period. Reasonable compensation for one of the interest losses of the bidders will greatly improve the stability of the operation of the entire bidding system and the rationality of the funds and borrowing. The current bidder can obtain reasonable compensation even if it is not voluntary, and In the current period, the standard gold will be added to other standard combinations in the system for arbitrage, or other more effective use of funds, which will effectively increase the liquidity of the system and increase the willingness of users to join.

Therefore, the present invention does provide a fair capital bidding combination mechanism, which is unbiased for both depositors and borrowers. Both parties can conduct transactions through this transaction settlement mechanism, and will increase the willingness to trade because of its fairness, while at the same time cleverly Simplifying the operation of the system and improving the stability and rationality of the operation of the system, thereby activating the trading market and enhancing its industrial value, it is difficult to innovate the design, and apply in accordance with the law.

The embodiments described above are only intended to illustrate the embodiments of the present invention, and to explain the technical features of the present invention, and are not intended to limit the scope of protection of the present invention. Any arrangement that changes or equals can be easily accomplished by those skilled in the art is within the scope of the present invention, and the scope of protection of the present invention should be The scope of application for patents shall prevail.

Claims (11)

A method for bidding for funds, which is implemented by a processing device, the method comprising: (A) causing the processing device to store a standard combination having a plurality of members; and (B) causing the processing device to be in a session Accepting a member to input a standard amount of the amount of the gold or a non-qualified bid amount for the non-qualified bid amount; (C) causing the processing device to determine whether at least one member inputs the amount of the bid during the session; (D) If at least one member of the state inputs the amount of the bid, the processing device determines that the member who inputs the highest amount of the bid is a current bidder; if no member inputs the amount of the bid during the session, then The processing device determines that the member who inputs the minimum bid amount for the non-qualified bid is the current bidder; (E) causes the processing device to send a first message for causing a current non-successor to pay a payout fee, The actual payment of the membership fee is the actual payment amount of the member during the period. If no member enters the amount of the prize in the session, the actual payment of the member will be a basic membership fee plus the event. The member entered The qualifying bid amount is reduced by a predetermined minimum amount, wherein the basic fund is a payment base amount of a member of the club portfolio for each session, and the member member is referred to in the group combination. The member has not yet been marked; and (F) causes the processing device to send a second message for the current bidder to obtain a current bid, wherein the current bid is for all current non-standards. The sum of the actual payment of the sum of money or the sum of the actual payment will be deducted from the system service fee. A method for bidding for funds, which is implemented by a processing device, the method comprising: (A) causing the processing device to store a standard combination having a plurality of members; and (B) causing the processing device to be in a session Accepting the amount of the bid amount for a member to enter a standard amount of gold or a non-qualified bid amount for the non-qualified bid amount; (C) causing the processing device to determine whether at least one member inputs the amount of the bid amount during the session; (D) if at least one member inputs the amount of the bid amount during the session, the processing device determines to input the highest amount of the bid amount The member is a current bidder; if no member enters the amount of the bid during the session, the processing device determines that the member who has entered the minimum bid amount for the non-qualified bid is the current bidder; (E) The processing device sends a first message for causing a current non-successor to pay a paid payment, the actual payment amount being the actual payment amount of the member during the period, wherein if the member does not have any member input during the period The amount of the standard deposit, the actual payment of the member of the living club is a basic meeting fee plus the amount of the non-qualified qualification bid entered by the member of the event, wherein the basic meeting amount is the meeting amount for each session. a payment base amount of a member of the combination, the member member of the club member is a member who has not been marked in the group; and (F) causes the processing device to send a second message for the current bidder Obtain a current standard, in which Gold bid for all of the current bidders have to pay will be the real gold or the sum actually paid will be deducted gold and a system service costs. For example, in the method of bidding for funds in item 1 or item 2 of the patent application, step (D) further includes: if no member enters the amount of the bid in the session, or enters the minimum amount of the non-qualified bid amount If there are multiple, the processing device determines, in a random manner, one of the plurality of members who input the minimum bid amount of the non-qualified bid is the current bidder. For example, in the method of applying for the first or second item of the patent scope, if the specific member of the standard combination does not input the amount of the standard and does not input the non-qualified bid amount, the processing device determines the specific member. Enter the non-qualified bid amount as a system default. For example, the method for bidding for funds in the first application of the patent scope includes: a non-winning bidder includes a member of the dead club, wherein the member of the club is a member who has been marked before the session; The payment of the membership of the deceased member is a basic payment. The basic payment is a payment basis for a member of the standard combination for each session; if at least one member enters the amount of the standard during the session, then The actual payment of the membership member is the basic amount of the fund minus the amount of the standard amount entered by the current bidder. For example, the method for bidding for funds in claim 1 of the patent scope, wherein the predetermined minimum bid amount may be zero. For example, the method for bidding for funds in the second paragraph of the patent application, wherein: the non-winning bidder includes a member of the dead club, and the member of the club is the member who has been marked before the meeting period; the damn meeting The member's actual payment is a basic membership fee plus a death penalty. The basic membership fee is the amount of a member's payment base for each member of the conference. The death penalty is for the member of the association. The amount of the standard amount entered during the period of winning the bid; if at least one member enters the amount of the bid in the session, the actual payment of the member of the member is the basic amount. A mutual aid fund bidding system includes: a bidding combination processing module for storing a bidding combination, the bidding combination has a plurality of members; and a fund bidding processing module for accepting a member in one session Entering a standard gold amount or a non-qualified competitive bid amount, and determining a current bidder according to the amount of the bid or the non-qualified bid amount, wherein the fund bidding processing module comprises: a logical judging unit, To determine whether at least one member inputs the amount of the bid amount during the session; a normal bidding processing unit is configured to enter the member with the highest amount of the bid amount when the member inputs the amount of the bid amount during the session. The winner of the bid; and a non-qualified bidding processing unit, when no member inputs the amount of the bid in the session, the member who decides to enter the minimum bid amount for the non-qualified bid is the current bidder; And a settlement delivery module for transmitting a first message for causing a current non-successor to pay a paid payment, the actual payment amount being the actual payment amount of the member in the period, and sending a The second message is used to enable the current bidder to obtain a current bid, in which the current bid is the sum of the actual payment of the current non-winners or the deduction of the actual payment. A system service fee, wherein if no member enters the amount of the standard amount during the session, the actual payment of the member member is a basic meeting fee plus the amount of the non-qualified competitive bid entered by the member. And subtracting a predetermined minimum amount, wherein the basic payment is a payment basis amount of a member of the standard combination for each session, and the member of the membership is not yet marked in the combination of the standard. member. For example, the mutual aid fund bidding system of claim 8 of the patent scope, wherein the predetermined minimum bid amount may be zero. A computer readable medium loaded with a program, which, when executed by a processing device, performs the steps as described in claim 1 or 2. A computer program product for storing a program for a network direct financial method. When a processing device loads and executes the program, the steps described in claim 1 or 2 can be performed.